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The Best Cheap Car Insurance Companies for Utah Drivers in 2020

When searching for cheap car insurance in Utah, most customers will be able to choose from five of the most familiar car insurance companies. The cost of coverage for these companies varies for the average driver. Requesting free car insurance quotes from a few providers can help you find personalized pricing information.

Company
Amount
1. American Family
In 2020 American Family ranked #1 in Utah for the cheapest car insurance on average.
$1,178
per year
2. Bear River
In 2020 Bear River ranked #2 in Utah for the cheapest car insurance on average.
$1,245
per year
3. State Farm
In 2020 State Farm ranked #3 in Utah for the cheapest car insurance on average.
$1,392
per year
4. Allstate
In 2020 Allstate ranked #4 in Utah for the cheapest car insurance on average.
$1,503
per year
5. Farmers
In 2020 Farmers ranked #5 in Utah for the cheapest car insurance on average.
$2,330
per year

While many insurance carriers provide estimates for the average driver, costs may be lower or higher depending on your individual situation. There are many factors that impact the cost of car insurance, including age, gender, driving record and the type of car you drive.

The Best Car Insurance Companies in Utah for 2020

MoneyGeek ranked the top car insurance companies in Utah to help you find the best coverage. Each of the five top-rated auto insurance companies in Utah received a score out of 100 for MoneyGeek’s ranking. Scores were calculated by equally weighing four consumer and industry reviews, including AM Best's financial strength rating and J.D. Power's customer satisfaction rating, claims score and affordability score.

Expand all Rankings +

1

USAAScore: 100
+

5/5

User Satisfaction

5/5

Claims Ratings

5/5

Affordability

A++

Financial Stability

2

State FarmScore: 90
+

5/5

User Satisfaction

3/5

Claims Ratings

3/5

Affordability

A++

Financial Stability

3

GEICOScore: 90
+

3/5

User Satisfaction

3/5

Claims Ratings

5/5

Affordability

A++

Financial Stability

4

AllstateScore: 82.5
+

3/5

User Satisfaction

3/5

Claims Ratings

3/5

Affordability

A+

Financial Stability

5

CSAAScore: 82.5
+

3/5

User Satisfaction

2/5

Claims Ratings

5/5

Affordability

A

Financial Stability

6

Liberty MutualScore: 82.5
+

3/5

User Satisfaction

4/5

Claims Ratings

3/5

Affordability

A

Financial Stability

7

American FamilyScore: 80
+

3/5

User Satisfaction

3/5

Claims Ratings

3/5

Affordability

A

Financial Stability

8

TravelersScore: 80
+

2/5

User Satisfaction

3/5

Claims Ratings

2/5

Affordability

A++

Financial Stability

9

SafecoScore: 77.5
+

3/5

User Satisfaction

3/5

Claims Ratings

2/5

Affordability

A

Financial Stability

10

FarmersScore: 77.5
+

3/5

User Satisfaction

3/5

Claims Ratings

2/5

Affordability

A

Financial Stability


When searching for the best and cheapest car insurance in Utah, reliability, personalization and customer satisfaction should be considered alongside affordability.

Market Share by Company

With 15.35% of the market share in the state, State Farm insures more people in Utah than any other company. Getting a quote from one of the largest insurance companies in Utah could save you money and ensure that your provider is familiar with regulations in the Beehive State.

Company
Market Share
1. State Farm
15.35%
2. Allstate
11.25%
3. GEICO
9.55%
4. Farmers
8.74%
5. Progressive
8.73%
6. Bear River
6.24%
7. USAA
4.98%
8. Liberty Mutual
4.57%
9. American Family
4.54%
10. Auto-Owners Insurance Co
2.91%

Cheapest Car Insurance for Drivers With a DUI in Utah

The consequences of a DUI (driving under the influence) vary by state and typically grow in severity after each offense. In the state of Utah, DUI offenders face a minimum of 48 hours jail time and can have their license suspended for a minimum of 120 days.

In a study conducted by the Centers for Disease Control and Prevention, 0.7% of Utah adults reported driving after drinking too much within the last 30 days at the time of the survey. In 2018, the BAC (blood alcohol concentration) in Utah was lowered from 0.08 to 0.05 grams per deciliter, according to the Insurance Information Institute.

Company
Amount
1. Bear River
In 2020 Bear River ranked #1 in Utah for the cheapest car insurance for dui.
$1,304
per year
2. State Farm
In 2020 State Farm ranked #2 in Utah for the cheapest car insurance for dui.
$1,374
per year
3. American Family
In 2020 American Family ranked #3 in Utah for the cheapest car insurance for dui.
$1,847
per year
4. Allstate
In 2020 Allstate ranked #4 in Utah for the cheapest car insurance for dui.
$2,011
per year
5. Farmers
In 2020 Farmers ranked #5 in Utah for the cheapest car insurance for dui.
$3,210
per year

A DUI will impact a driver’s insurance rates for years and rates could double overnight. Requesting multiple free quotes from a pool of top insurance companies can help your odds of finding cheap car insurance with a DUI in Utah.

If you are unable to obtain insurance after a DUI, exploring state-sponsored auto insurance programs can provide a solution. These programs were created by the states to insure high-risk drivers while sharing the risk of insuring this type of driver between multiple providers.

Cheapest Car Insurance for UT Speeding or Distracted Driving Tickets

According to the National Highway Traffic Safety Administration, distracted driving accounted for 237 vehicle crashes in Utah in 2018. Many insurers look at distracted driving and speeding infractions as a risk. A violation will most likely increase your insurance rates, but how much depends on your carrier and your previous driving record. It’s important to note that if you are cited for distracted driving, your insurance premium could increase even if you were not involved in an accident.

Company
Amount
1. American Family
In 2020 American Family ranked #1 in Utah for the cheapest car insurance for distracted drivers.
$1,213
per year
2. State Farm
In 2020 State Farm ranked #2 in Utah for the cheapest car insurance for distracted drivers.
$1,478
per year
3. Bear River
In 2020 Bear River ranked #3 in Utah for the cheapest car insurance for distracted drivers.
$1,559
per year
4. Allstate
In 2020 Allstate ranked #4 in Utah for the cheapest car insurance for distracted drivers.
$1,597
per year
5. Farmers
In 2020 Farmers ranked #5 in Utah for the cheapest car insurance for distracted drivers.
$3,064
per year

The Utah DMV uses a point system to mark your record of traffic violations. According to Utah Courts, if you drive one year without being convicted of a moving traffic violation, half of the points on your driving record will be removed. If you drive two years without a moving traffic violation, all of the points on your record will be removed. In most cases, clearing your record is a waiting game.

Maintaining cheap car insurance rates with a ticket in Utah is still possible. If you have tickets, some insurance companies will offer a reduced premium if you take a defensive driving course. Speak with your insurer to discuss the best option for you.

Cheapest Car Insurance Companies in UT for Drivers With Bad Credit

According to the Utah Insurance Department, some insurance companies believe that there is a direct relationship between a person’s financial responsibility and losses reflected in their credit score. Therefore, insurance companies believe that drivers with high credit scores who tend to have fewer and less costly losses should pay less for insurance, and vice versa. With an average credit score of 716, Utah ranks number 16 in the nation for highest credit scoring according to Experion. While many drivers in Utah have a higher-than-average credit score, a low score could still increase your insurance premium.

Company
Amount
1. Bear River
In 2020 Bear River ranked #1 in Utah for the cheapest car insurance for poor credit history drivers.
$1,054
per year
2. American Family
In 2020 American Family ranked #2 in Utah for the cheapest car insurance for poor credit history drivers.
$1,130
per year
3. State Farm
In 2020 State Farm ranked #3 in Utah for the cheapest car insurance for poor credit history drivers.
$1,388
per year
4. Allstate
In 2020 Allstate ranked #4 in Utah for the cheapest car insurance for poor credit history drivers.
$1,552
per year
5. Farmers
In 2020 Farmers ranked #5 in Utah for the cheapest car insurance for poor credit history drivers.
$2,338
per year

If you have bad credit, the first thing to do is ask your insurance company if they use credit information, how they look at this information, and if it impacts your rates. When shopping for insurance quotes, ask each provider these questions and request that they reevaluate when you improve your credit.

Cheapest Car Insurance Companies in Utah for Seniors

When looking for cheap car insurance for seniors in Utah, a few unique factors come into play. While older drivers tend to have more experience behind the wheel, some physical impairments often show with aging. These include vision loss, slower reflexes and changes in attention.

According to the National Highway Traffic Safety Administration, 13.8% of fatal traffic accidents in Utah involved a driver over the age of 65 in 2017. Because seniors tend to face physical limitations to driving, Utah auto insurance companies weigh these risks against all other factors when developing policies for older drivers.

Company
Amount
1. Bear River
In 2020 Bear River ranked #1 in Utah for the cheapest car insurance for seniors.
$1,015
per year
2. American Family
In 2020 American Family ranked #2 in Utah for the cheapest car insurance for seniors.
$1,151
per year
3. State Farm
In 2020 State Farm ranked #3 in Utah for the cheapest car insurance for seniors.
$1,432
per year
4. Allstate
In 2020 Allstate ranked #4 in Utah for the cheapest car insurance for seniors.
$1,777
per year
5. Farmers
In 2020 Farmers ranked #5 in Utah for the cheapest car insurance for seniors.
$2,570
per year

If you are a senior shopping for car insurance, first meet with your doctor to discuss your capabilities and limitations behind the wheel, then research senior discounts offered by the top-rated car insurance companies in the state.

Cheapest Car Insurance for Students

Utah Car Insurance: How Much a Teen Driver Will Cost You

Median annual price change for families with a teen driver on their policy:

$1,883 INCREASE

This is a difference of 122%.

Many parents provide car insurance for their high school and college students. If you are covering the costs for your high school or college student, it’s important to understand how they can impact your insurance rates. Insurance companies charge more for teens and young adults because they lack experience behind the wheel and, as a group, this younger demographic is more likely to get into accidents.

To find cheap car insurance for teenagers in Utah, look for discounts and teen driver programs, and consider the type of car your teen is driving. Choose a vehicle with good crash protection to keep your child safe — not necessarily flashy cars deemed “cool” by your teen.

Company
Amount
1. Bear River
In 2020 Bear River ranked #1 in Utah for the cheapest car insurance for students.
$2,825
per year
2. American Family
In 2020 American Family ranked #2 in Utah for the cheapest car insurance for students.
$2,879
per year
3. Allstate
In 2020 Allstate ranked #3 in Utah for the cheapest car insurance for students.
$3,361
per year
4. State Farm
In 2020 State Farm ranked #4 in Utah for the cheapest car insurance for students.
$3,629
per year
5. Farmers
In 2020 Farmers ranked #5 in Utah for the cheapest car insurance for students.
$5,128
per year

Utah teens under age 18 are required to take a driver's education course to get a license. You can find a list of approved courses on the Utah Department of Public Safety website.

The Utah Insurance Department recommends that parents set ground rules before your teen gets behind the wheel, including what hours your child can drive, whether they can bring friends in the car and how many miles a day they are allowed to drive.

If you drive an expensive car, it could cost you even more to add your teen to your policy than to purchase a modestly priced (but safe) vehicle that just has liability and uninsured motorist coverage. In addition to saving on the collision and comprehensive coverage for your child, you may get a discount for insuring two or more vehicles under the same policy. Discuss the options with your insurance agent or compare auto insurance quotes from new insurers.


Premium Comparison by Student Type

Premium comparison for two adults + 16 years old

car
Average premium for two 2014

Mustang GTs

$4,872
car
Average premium for two 2008

Town and Country Limiteds

$3,202
Annual benefits of minivans:$1,670 saved

This is 34% less expensive.

Cheaper premium for college vs. high school drivers

Median premium change with a college student vs. high school driver:

$772 DECREASE

This is a savings of 21%.

Potential discounts for teens in Utah

Impact on annual premium with good student and defensive driving discounts:

coins
$264 SAVED

Utah students: a long-distance discount

You may pay a smaller annual family premium if your child lives 150 miles or more away from home.

male
Average premium for a 19-year-old male
car

$3,131 at home

graduation

$2,602 at school

$529 IN SAVINGS

female
Average premium for a 19-year-old female
car

$2,680 at home

graduation

$2,349 at school

$331 IN SAVINGS

Insurance Rate Information for Military Drivers and Veterans

If you are a permanent resident of another state but are on active military duty in Utah, you can maintain your license and registration from your home state. But if you buy a car in Utah, you will have to pay Utah sales tax, even if you keep your home state registration.

If you are a Utah resident who is stationed out of state, you may be exempt from emissions and safety inspections (contact the Utah DMV for more information). If your license expires while you are on active duty outside of Utah, you may continue to use your license for up to 90 days after your discharge before filing for an extension or renewing it.

Many insurers provide discounts for military personnel and veterans, but remember — one of the best ways to secure a lower premium is to maintain a good driving record.

Age savings for Utah service members

male
25 years$1,398
50 years$1,067
female
25 years$1,220
50 years$1,067

$331 Saved
$153 Saved

Median auto insurance for service members: $1,134

Who Needs Car Insurance in Utah?

All Utah residents and visitors who have spent at least 90 days in the state during the previous year must have their vehicles insured in Utah.

Proof of Insurance in Utah

The Utah Department of Motor Vehicles works with the private firm Insure-Rite, Inc. to regularly check vehicle registrations against insurance policies written in the state. If your vehicle is flagged as uninsured, you will receive a letter requiring you to provide proof of insurance. If you don't provide the proof, the DMV will suspend your license and registration.

Minimum Liability Insurance Requirements in Utah

Utah law requires that you carry both liability and personal injury protection (PIP, or No-Fault) insurance on any vehicle that is registered in the state. If you are in an accident, the PIP coverage takes effect first. Once the maximum PIP payout has been reached, your liability insurance takes over. The minimum coverage amounts are:

  • $3,000 per person for personal injury protection, or PIP (also called "no-fault" coverage)
  • $25,000 per person for injury liability
  • $65,000 per accident for injury liability
  • $15,000 per accident for property damage liability

Instead of separate bodily injury/property damage liability limits, you can instead purchase a policy for $80,000 total.

In addition, the law requires that insurers include uninsured/underinsured motorist coverage in your policy, but you have the right to reject that coverage in writing.

What Happens If You Drive Without Car Insurance in Utah?

If you are convicted of failing to insure your vehicle, your license and registration will be suspended and cannot be renewed until you provide proof of insurance and pay a fee. As stated by the Utah division of the DMV, the fine for driving without insurance is at least $400 for the first offense and $1,000 for subsequent offenses within three years.

To get your license and registration reinstated, you will need to get an SR-22 certificate from a Utah-licensed insurance company that shows proof of insurance coverage. You will need to maintain this proof of insurance for three years. You will also have to pay a $100 reinstatement fee.

Car Insurance Requirements in Utah: How Much Coverage Do You Need?

What percentage of drivers in Utah lack vehicle insurance?

8.2%

National average: 13%

Source:

Insurance Information Institute.

Experts usually recommend purchasing more than the mandatory minimum liability insurance. But the type of insurance you purchase will depend on your personal situation. Experts generally recommend getting $100,000 per injury and $300,000 per accident.

For example, if you have a new car with a loan, your loan agreement probably requires you to purchase both collision and comprehensive insurance. But if you own an older car, it may not be worth investing in this type of insurance.

You will be offered uninsured/underinsured motorist coverage. Utah has a relatively low percentage of uninsured drivers compared to other states, but you may still want to invest in this coverage for peace of mind.


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Sources